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Fixture Filing

Understand fixture filings in Canadian real estate — what they secure, how they’re registered, and their impact on property ownership and lending.

Fixture Filing

July 27, 2025


What is a Fixture Filing?

A fixture filing is a legal notice filed to register a lender’s security interest in fixtures: personal property that has become permanently attached to real property.

Why Fixture Filings Matter in Real Estate

In Canadian lending, fixture filings protect lenders’ rights to reclaim financed equipment or systems, such as HVAC units or industrial machinery, if a borrower defaults.



Key points:
  • Filed under provincial Personal Property Security Acts (PPSA)
  • Establishes lender priority over other claims
  • Affects property title and sale transactions



Understanding fixture filings helps owners and buyers manage financing risks and title issues.

Example of a Fixture Filing in Action

The lender registered a fixture filing for the rooftop HVAC units installed in the commercial building.

Key Takeaways

  • Secures lender interest in attached equipment
  • Filed under PPSA for priority protection
  • Common in commercial and industrial lending
  • Must be addressed during property sales or refinancing
  • Affects title and ownership rights

Related Terms

Additional Terms

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Mortgagee in Possession

A mortgagee in possession is a lender who takes control of a property after borrower default, but before foreclosure or power of sale. The lender. more

Lease Surrender Agreement

A lease surrender agreement is a negotiated contract between a landlord and tenant that ends a lease before its scheduled expiration. Terms may. more

Green Infrastructure

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Escrow Holdback

An escrow holdback is a portion of funds withheld at closing and held in escrow until specific conditions are met, such as completion of repairs,. more

Underused Housing Tax

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